| Document Type
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BL
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| Record Number
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1003366
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| Doc. No
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b757736
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| Title & Author
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Building assets, building credit : : creating wealth in low-income communities /\ Nicolas P. Retsinas, Eric S. Belsky, editors.
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| Publication Statement
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Washington, D.C. :: Brookings Institution Press,, ©2005.
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| Page. NO
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1 online resource (xiv, 395 pages) :: illustrations
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| ISBN
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0815774095
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: 0815797842
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: 1280813288
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: 6610813280
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: 9780815774099
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: 9780815797845
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: 9781280813283
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: 9786610813285
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0815774095
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9780815774099
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| Bibliographies/Indexes
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Includes bibliographical references and index.
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| Contents
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Cover; Title Page; Contents; Foreword; Acknowledgments; 1. New Paths to Building Assets for the Poor; 2. Credit Matters: Building Assets in a Dual Financial Service System; PART 1: Making Choices; 3. To Bank or Not to Bank? A Survey of Low-Income Households; 4. Refinance and the Accumulation of Home Equity Wealth; PART 2: Beyond Prime; 5. Changing Industrial Organization of Housing Finance and Changing Role of Community-Based Organizations; 6. Exploring the Welfare Effects of Risk-Based Pricing in the Subprime Mortgage Market.
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7. Hitting the Wall: Credit as an Impediment to Homeownership8. Credit Scoring's Role in Increasing Homeownership for Underserved Populations; PART 4: Role of Regulation; 9. Models of Credit Market Regulation; 10. Accuracy in Credit Reporting; 11. Cost-Benefit Analysis of Debtor Protection Rules in Subprime Market Default Situations; PART 5: Working toward Solutions; 12. Institutions and Inclusion in Saving Policy; 13. Unbanked to Homeowner: Improving Financia.
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| Abstract
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"Examines the path from basic banking services to creditmaking decisions to mortgage lending that can give low-income individuals and communities the opportunity to build assets through credit, highlighting the need for transparency in the subprime market, buyer education, and borrower safeguards"--Provided by publisher.
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| Subject
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Consumer credit-- United States.
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Home ownership-- United States.
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Low-income consumers-- United States.
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Mortgage loans-- United States.
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BUSINESS ECONOMICS-- Personal Finance-- Budgeting.
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BUSINESS ECONOMICS-- Personal Finance-- Money Management.
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| Subject
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Consumer credit.
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Home ownership.
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Low-income consumers.
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Mortgage loans.
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SOCIAL SCIENCE-- Poverty Homelessness.
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Hypotheken.
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Kredietverlening.
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Lagere klassen.
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United States.
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| Dewey Classification
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332.024/01
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| LC Classification
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HG3756.U54B85 2005eb
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| NLM classification
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83.50bcl
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83.50.bcl
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| Added Entry
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Belsky, Eric S.
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Retsinas, Nicolas Paul,1946-
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